Well for one, I expect the bank not to have snuck in a clause that allows them to unilaterally change the contract without providing me with a physical copy the

Well for one, I expect the bank not to have snuck in a clause that allows them to unilaterally change the contract without providing me with a physical copy thereof. I expect that if the bank tried that that the courts would rule it unconscionable. I expect that if I modify terms in the contract such as typos that the representative will ok them and accept the modification. I expect that they will keep a physical copy of the license or a digital scan thereof so they can track which version I received and whether such modifications were made and to keep track of the witness. I expect the bank to insist on having a translator present since I reside in a land where my proficiency in the language is suspect. I expect that there is a meaningful exchange embodied by the contract and that there is some sense in which I can seek redress if the bank fails to provide the agreed upon funds. If you are sincere, you should compare more people trying to make payday loans illegal with the fight against Facebook's EULA. Banks have always showed much more diligence to receive meaningful consent for a mortgage than Facebook even comes close to. With Payday loans, a predatory lender is trying to rope someone into a contract and then wants to use the courts to extract much more money out of individuals knowing that the individual may be so far in debt that they have no more disposable income. There are many people who would argue that such things should be illegal (or already are) in the same grain as loansharking. Once upon a time people signed contracts whereupon they became slaves or indentured. Clearly not all contractual terms should be honored by a just society. Facebook is seen by some as closer to the predatory lender than a typical mortgage provider. People are free to disagree with where to place the line, but clearly society places the line somewhere on the acceptability of contractual terms.